Trophy Clothing – Redcast Heritage Co.

[H] Crypto, Apple Pay, Paypal, Skrill, CashApp [W] All Your Gift Cards!

Please don’t use mobile to trade. I will ignore your chat message.

Desktop Users: Comment on this post and Click here to start a trade App Users, please include the following in your PM (Remember to comment on this post as well):
For Amazon.ca cards, if you can verify their origins, I will pay the listed price, otherwise it will be 50%.
I have the following crypto 5: ALGO, BCH, BTC, ETH, LINK, LTC, XLM, and XRP
and payment processors Paypal1, Skrill2, Square Cash, and Apple Pay
Want ↓ Cash or a Gift Card ↓ Bitcoin/ethereum/Bitcoin Cash/Litecoin ↓
Apple 60% 60%
Amazon.ca 60% 60%
Amazon.co.uk 70% 70%
Amazon.com 70% 65%
Amazon.de 50% 50%
Amazon.es 50% 50%
Amazon.fr 50% 50%
Amazon.it 50% 50%
Arrow Films 65% 60%
Barnes & Noble 50% 50%
Baskin Robbins 60% 60%
Bloomingdales 50% 50%
Clothing Shops (Small Boutique) contact me contact me
Dell3 60% 60%
Delta gift cards4 65% NA
Delta Sky Miles4 PM me NA
Delta Vouchers4 65% NA
Disney Plus PM me PM me
DoorDash 70%4 NA
eBay 75% 70%
Fandango4 10% NA
Gamestop 60% 60%
Grub Hub 70%4 NA
Gyft 70% 70%
Half Price Books 50% 50%
HBO 70% 70%
iTunes 60% 60%
J crew 40% 40%
JCPenney 25% 25%
Khols 30% 30%
Macys 35% 35%
Magazines.com 40% 40%
Microsoft4 70% NA
Nintendo Eshop 70%4 NA
Nordstrom 50% 50%
PSN4 70% NA
PSN Plus 12 month4 $40 NA
Saks Fifth Avenue 50% 50%
Sears 50% 50%
Sephora 50% 50%
Target 60% 60%
Uber4 70% NA
Urban Outfitters 50% 50%
Vudu4 50% NA
Walmart 60% 60%
Xbox (gift cards)4 70% NA
Xbox Game Pass Ultimate (12 month/6 month/3 month/1 month)4 PM me NA
1 When paying via PayPal, I can only send payments via Goods and Services, thus you will be charged a fee. If you'd rather not face this fee there are plenty of alternatives. 2 Skrill charges an upload fee and transaction fee, both of which will be taken from the payment. 3 Larger denominated gift cards preferred. 4 PayPal is the only payment option. 5 I can't send less than $10 in crypto per Coinbase's rules.

What I don’t buy:

  • Bass Pro Shop
  • Fanatics
  • Google Play
  • Hilton Honors
  • iTunes from anywhere but the US
  • Spotify
  • Steam
  • old navy/gap/banana republic
  • Hot Topic
  • PSN Canada or UK
  • Xbox Canada or UK
  • Xbox live gold
I will buy gift cards in almost any denomination, although if you are offering an item worth $100 or more we will need mod approval. I will not trade Bitcoin for cash, or do any other cash for cash trade, as that would violate rule 6, and I don't sell gift cards. This is a buying post, not a selling one. Any fees are built into the price.
Here are my GCX Rep profiles with 943 trades worth more than $61,000:
Important: before you send your codes please make sure your account is secure (if your password is twelve characters or less it's best to assume your account has already been compromised; your password should be eight randomly selected words, see 1 and 2). Scams where compromised accounts are used to leverage reputation to scam an unsuspecting user, used to steal codes during the middle of the trade, and steal unused gift cards the victim was saving for later are increasingly commonplace. If you have any concerns as to your account's security, please reset your password now and force logout of all sessions. Thanks
submitted by seeldoger47 to giftcardexchange [link] [comments]

[H] Crypto, Apple Pay, Paypal, Skrill, CashApp [W] Apple, Amazon (CA, Com, DE, ES, FR, IT, UK), B&N, Baskin Robins, Clothing Stores (Saks Macys J Crew etc) Delta, Disney Plus, Dunkin Donuts, eBay, GameStop, Grub Hub, Gyft, HBO, iTunes, JCPenney, Microsoft, PSN, Target, Uber, Walmart, Xbox + More

Please don’t use mobile to trade. I will ignore your chat message.

Desktop Users: Comment on this post and Click here to start a trade App Users, please include the following in your PM (Remember to comment on this post as well):
For Amazon.ca cards, if you can verify their origins, I will pay the listed price, otherwise it will be 50%.
I have the following crypto 5: ALGO, BCH, BTC, ETH, LINK, LTC, XLM, and XRP
and payment processors Paypal1, Skrill2, Square Cash, and Apple Pay
Want ↓ Cash or a Gift Card ↓ Bitcoin/ethereum/Bitcoin Cash/Litecoin ↓
Apple 60% 60%
Amazon.ca 60% 60%
Amazon.co.uk 70% 70%
Amazon.com 70% 65%
Amazon.de 50% 50%
Amazon.es 50% 50%
Amazon.fr 50% 50%
Amazon.it 50% 50%
Arrow Films 65% 60%
Barnes & Noble 50% 50%
Baskin Robbins 60% 60%
Bloomingdales 50% 50%
Clothing Shops (Small Boutique) contact me contact me
Dell3 60% 60%
Delta gift cards4 65% NA
Delta Sky Miles4 PM me NA
Delta Vouchers4 65% NA
Disney Plus PM me PM me
DoorDash 70%4 NA
eBay 75% 70%
Fandango4 10% NA
Gamestop 60% 60%
Grub Hub 70%4 NA
Gyft 70% 70%
Half Price Books 50% 50%
HBO 70% 70%
iTunes 60% 60%
J crew 40% 40%
JCPenney 25% 25%
Khols 30% 30%
Macys 35% 35%
Magazines.com 40% 40%
Microsoft4 70% NA
Nintendo Eshop 70%4 NA
Nordstrom 50% 50%
PSN4 70% NA
PSN Plus 12 month4 $40 NA
Saks Fifth Avenue 50% 50%
Sears 50% 50%
Sephora 50% 50%
Target 60% 60%
Uber4 70% NA
Urban Outfitters 50% 50%
Vudu4 50% NA
Walmart 60% 60%
Xbox (gift cards)4 70% NA
Xbox Game Pass Ultimate (12 month/6 month/3 month/1 month)4 PM me NA
1 When paying via PayPal, I can only send payments via Goods and Services, thus you will be charged a fee. If you'd rather not face this fee there are plenty of alternatives. 2 Skrill charges an upload fee and transaction fee, both of which will be taken from the payment. 3 Larger denominated gift cards preferred. 4 PayPal is the only payment option. 5 I can't send less than $10 in crypto per Coinbase's rules.

What I don’t buy:

  • Bass Pro Shop
  • Fanatics
  • Google Play
  • Hilton Honors
  • iTunes from anywhere but the US
  • Spotify
  • Steam
  • old navy/gap/banana republic
  • Hot Topic
  • PSN Canada or UK
  • Xbox Canada or UK
  • Xbox live gold
I will buy gift cards in almost any denomination, although if you are offering an item worth $100 or more we will need mod approval. I will not trade Bitcoin for cash, or do any other cash for cash trade, as that would violate rule 6, and I don't sell gift cards. This is a buying post, not a selling one. Any fees are built into the price.
Here are my GCX Rep profiles with 943 trades worth more than $61,000:
Important: before you send your codes please make sure your account is secure (if your password is twelve characters or less it's best to assume your account has already been compromised; your password should be eight randomly selected words, see 1 and 2). Scams where compromised accounts are used to leverage reputation to scam an unsuspecting user, used to steal codes during the middle of the trade, and steal unused gift cards the victim was saving for later are increasingly commonplace. If you have any concerns as to your account's security, please reset your password now and force logout of all sessions. Thanks
submitted by seeldoger47 to GCTrading [link] [comments]

[H] Crypto, Apple Pay, Paypal, Skrill, CashApp [W] Amazon (CA, Com, DE, ES, FR, IT, UK), B&N, Baskin Robins, Clothing Stores (Saks Macys J Crew etc) Delta, Disny Plus, Dunkin Donuts, eBay, Gyft, HBO, JCPenney, Microsoft, PSN, Target, Uber, Walmart, Xbox + More

Do not use mobile to trade. I will ignore your chat message.

Desktop Users: Comment on this post and Click here to start a trade App Users, please include the following in your PM (Remember to comment on this post as well):
For Amazon.ca and Amazon.co.uk cards, if you can verify their origins, I will pay the listed price, otherwise it will be 50%.
I have the following crypto 5: ALGO, BCH, BTC, ETH, LINK, LTC, XLM, and XRP
and payment processors Paypal1, Skrill2, Square Cash, and Apple Pay
Want ↓ Cash or a Gift Card ↓ Bitcoin/ethereum/Bitcoin Cash/Litecoin ↓
Amazon.ca 60% 60%
Amazon.co.uk 70% 70%
Amazon.com 75% 75%
Amazon.de 50% 50%
Amazon.es 50% 50%
Amazon.fr 50% 50%
Amazon.it 50% 50%
Arrow Films 65% 60%
Barnes & Noble 50% 50%
Baskin Robbins 60% 60%
Bloomingdales 50% 50%
Clothing Shops (Small Boutique) contact me contact me
Dell3 60% 60%
Delta gift cards4 35% NA
Delta Sky Miles4 PM me NA
Delta Vouchers4 35% NA
Disney Plus PM me PM me
eBay 70% 70%
Fandango4 50% NA
Gamestop 60% 60%
Gyft 70% 70%
Half Price Books 50% 50%
HBO 70% 70%
iTunes4 40% NA
J crew 40% 40%
JCPenney 25% 25%
Macys 35% 35%
Magazines.com 40% 40%
Microsoft4 60% NA
Nordstrom 50% 50%
PSN4 50% NA
PSN Plus 12 month4 $26 NA
Saks Fifth Avenue 50% 50%
Sears 50% 50%
Sephora 50% 50%
Target 60% 60%
Uber4 50% NA
Urban Outfitters 50% 50%
Vudu4 50% NA
Walmart 60% 60%
Xbox (gift cards)4 60% NA
Xbox Game Pass Ultimate (12 month/6 month/3 month/1 month)4 PM me NA
1 When paying via PayPal, I can only send payments via Goods and Services, thus you will be charged a fee. If you'd rather not face this fee there are plenty of alternatives. 2 Skrill charges an upload fee and transaction fee, both of which will be taken from the payment. 3 Larger denominated gift cards preferred. 4 PayPal is the only payment option. 5 I can't send less than $10 in crypto per Coinbase's rules.

What I don’t buy:

  • Bass Pro Shop
  • iTunes from anywhere but the US
  • Google Play from anywhere but the US
  • Hilton Honors
  • Spotify
  • Steam
  • old navy/gap/banana republic
  • Hot Topic
  • PSN Canada or UK
  • Xbox Canada or UK
  • Xbox live gold
I will buy gift cards in almost any denomination, although if you are offering an item worth $100 or more we will need mod approval. I will not trade Bitcoin for cash, or do any other cash for cash trade, as that would violate rule 6, and I don't sell gift cards. This is a buying post, not a selling one. Any fees are built into the price.
Here are my GCX Rep profiles with 943 trades worth more than $61,000:
Important: before you send your codes please make sure your account is secure (if your password is twelve characters or less it's best to assume your account has already been compromised; your password should be eight randomly selected words, see 1 and 2). Scams where compromised accounts are used to leverage reputation to scam an unsuspecting user, used to steal codes during the middle of the trade, and steal unused gift cards the victim was saving for later are increasingly commonplace. If you have any concerns as to your account's security, please reset your password now and force logout of all sessions. Thanks
submitted by seeldoger47 to GCtrade [link] [comments]

[H] Crypto, Apple Pay, Paypal, Skrill, CashApp [W] Amazon (CA, DE, ES, FR, IT, UK), B&N, Baskin Robins, Clothing Stores (Saks Macys J Crew etc) Delta, Disny Plus, Dunkin Donuts, eBay, Gyft, HBO, JCPenney, Microsoft, PSN, Target, Uber, Walmart, Xbox + More

Do not use mobile to trade. I will ignore your chat message.

Desktop Users: Comment on this post and Click here to start a trade App Users, please include the following in your PM (Remember to comment on this post as well):
For Amazon.ca and Amazon.co.uk cards, if you can verify their origins, I will pay the listed price, otherwise it will be 50%.
I have the following crypto 5: ALGO, BCH, BTC, ETH, LINK, LTC, XLM, and XRP
and payment processors , Google Wallet, Paypal1, Skrill2, Square, and Apple Pay
Want ↓ Cash or a Gift Card ↓ Bitcoin/ethereum/Bitcoin Cash/Litecoin ↓
Amazon.ca 60% 60%
Amazon.co.uk 70% 70%
Amazon.de 50% 50%
Amazon.es 50% 50%
Amazon.fr 50% 50%
Amazon.it 50% 50%
Arrow Films 65% 60%
Barnes & Noble 50% 50%
Baskin Robbins 60% 60%
Bloomingdales 50% 50%
Clothing Shops (Small Boutique) contact me contact me
Dell3 60% 60%
Delta gift cards4 35% NA
Delta Sky Miles4 PM me NA
Delta Vouchers4 35% NA
Disney Plus PM me PM me
eBay 70% 70%
Fandango4 50% NA
Gamestop 60% 60%
Gyft 70% 70%
Half Price Books 50% 50%
HBO 70% 70%
iTunes4 40% NA
J crew 40% 40%
JCPenney 25% 25%
Macys 35% 35%
Magazines.com 40% 40%
Microsoft4 60% NA
Nordstrom 50% 50%
PSN4 50% NA
PSN Plus 12 month4 $26 NA
Saks Fifth Avenue 50% 50%
Sears 50% 50%
Sephora 50% 50%
Target 60% 60%
Uber4 50% NA
Urban Outfitters 50% 50%
Vudu4 50% NA
Walmart 60% 60%
Xbox (gift cards)4 60% NA
Xbox Game Pass Ultimate (12 month/6 month/3 month/1 month)4 $72/$36/$18/$6 NA
1 When paying via PayPal, I can only send payments via Goods and Services, thus you will be charged a fee. If you'd rather not face this fee there are plenty of alternatives. 2 Skrill charges an upload fee and transaction fee, both of which will be taken from the payment. 3 Larger denominated gift cards preferred. 4 PayPal is the only payment option. 5 I can't send less than $10 in crypto per Coinbase's rules.

What I don’t buy:

  • iTunes from anywhere but the US
  • Google Play from anywhere but the US
  • Hilton Honors
  • Spotify
  • Steam
  • old navy/gap/banana republic
  • Hot Topic
  • PSN Canada or UK
  • Xbox Canada or UK
  • Xbox live gold
I will buy gift cards in almost any denomination, although if you are offering an item worth $100 or more we will need mod approval. I will not trade Bitcoin for cash, or do any other cash for cash trade, as that would violate rule 6, and I don't sell gift cards. This is a buying post, not a selling one. Any fees are built into the price.
Here are my GCX Rep profiles with 943 trades worth more than $61,000:
Important: before you send your codes please make sure your account is secure (if your password is twelve characters or less it's best to assume your account has already been compromised; your password should be eight randomly selected words, see 1 and 2). Scams where compromised accounts are used to leverage reputation to scam an unsuspecting user, used to steal codes during the middle of the trade, and steal unused gift cards the victim was saving for later are increasingly commonplace. If you have any concerns as to your account's security, please reset your password now and force logout of all sessions. Thanks
submitted by seeldoger47 to giftcardexchange [link] [comments]

[H] Crypto, Apple Pay, Paypal, Skrill, CashApp, Venmo [W] Amazon (CA, DE, ES, FR, IT, UK, US), B&N, Baskin Robins, Clothing Stores (Saks Macys J Crew etc) Delta, Disny Plus, Dunkin Donuts, eBay, Gyft, HBO, JCPenney, Microsoft, PSN, Target, Uber, Walmart, Xbox + More

Do not use mobile to trade. I will ignore your chat message.

Desktop Users: Comment on this post and Click here to start a trade App Users, please include the following in your PM (Remember to comment on this post as well):
For Amazon.ca and Amazon.co.uk cards, if you can verify their origins, I will pay the listed price, otherwise it will be 50%.
I have the following crypto 5: ALGO, BCH, BTC, ETH, LINK, LTC, XLM, and XRP
and payment processors , Google Wallet, Paypal1, Skrill2, Square, Venmo, and Apple Pay
Want ↓ Cash or a Gift Card ↓ Bitcoin/ethereum/Bitcoin Cash/Litecoin ↓
Amazon.ca 60% 60%
Amazon.co.uk 70% 70%
Amazon.com 70% 65%
Amazon.de 50% 50%
Amazon.es 50% 50%
Amazon.fr 50% 50%
Amazon.it 50% 50%
Arrow Films 65% 60%
Barnes & Noble 50% 50%
Baskin Robbins 60% 60%
Bloomingdales 50% 50%
Clothing Shops (Small Boutique) contact me contact me
Dell3 60% 60%
Delta gift cards4 35% NA
Delta Sky Miles4 PM me NA
Delta Vouchers4 35% NA
Disney Plus PM me PM me
eBay 70% 70%
Fandango4 50% NA
Gamestop 60% 60%
Gyft 70% 70%
Half Price Books 50% 50%
HBO 70% 70%
iTunes4 40% NA
J crew 40% 40%
JCPenney 25% 25%
Macys 35% 35%
Magazines.com 40% 40%
Microsoft4 60% NA
Nordstrom 50% 50%
PSN4 50% NA
PSN Plus 12 month4 $26 NA
Saks Fifth Avenue 50% 50%
Sears 50% 50%
Sephora 50% 50%
Target 60% 60%
Uber4 50% NA
Urban Outfitters 50% 50%
Vudu4 50% NA
Walmart 60% 60%
Xbox (gift cards)4 60% NA
Xbox Game Pass Ultimate (12 month/6 month/3 month/1 month)4 $72/$36/$18/$6 NA
1 When paying via PayPal, I can only send payments via Goods and Services, thus you will be charged a fee. If you'd rather not face this fee there are plenty of alternatives. 2 Skrill charges an upload fee and transaction fee, both of which will be taken from the payment. 3 Larger denominated gift cards preferred. 4 PayPal is the only payment option. 5 I can't send less than $10 in crypto per Coinbase's rules.

What I don’t buy:

  • iTunes from anywhere but the US
  • Google Play from anywhere but the US
  • Hilton Honors
  • Spotify
  • Steam
  • old navy/gap/banana republic
  • Hot Topic
  • PSN Canada or UK
  • Xbox Canada or UK
  • Xbox live gold
I will buy gift cards in almost any denomination, although if you are offering an item worth $100 or more we will need mod approval. I will not trade Bitcoin for cash, or do any other cash for cash trade, as that would violate rule 6, and I don't sell gift cards. This is a buying post, not a selling one. Any fees are built into the price.
Here are my GCX Rep profiles with 943 trades worth more than $61,000:
Important: before you send your codes please make sure your account is secure (if your password is twelve characters or less it's best to assume your account has already been compromised; your password should be eight randomly selected words, see 1 and 2). Scams where compromised accounts are used to leverage reputation to scam an unsuspecting user, used to steal codes during the middle of the trade, and steal unused gift cards the victim was saving for later are increasingly commonplace. If you have any concerns as to your account's security, please reset your password now and force logout of all sessions. Thanks
submitted by seeldoger47 to GCtrade [link] [comments]

Li Lihui, Former President of Bank of China: We are in a period of great opportunities for the development of blockchain technology and industrial innovation

Source: https://www.chainnews.com/articles/946394501375.htm
Source of this article: Sina Finance. This content is intended to convey more market information and does not constitute any investment advice.
Sina Finance News On November 29, 2019, the ReFinTech Financial Technology Summit was held at Beijing New World Hotel. Li Lihui, the head of the China Mutual Fund Association's blockchain team and former president of the Bank of China, attended and gave a speech. The topic of the speech was "National Strategy and Fiat Digital Currency."
Li Lihui said that digital currencies will play a central role in the global digital economy competition in the future, and it is necessary to step up research on feasible routes and implementation plans for the issuance of global digital currencies led by China. Digital finance is bound to further strengthen the globalization of finance. In the construction of the global system of digital finance, China should actively participate in and strive for the right to speak. It is necessary to strengthen international regulatory coordination, promote regulatory consensus, and establish a unified international regulatory standard for digital finance.

Blockchain technology architecture
Li Lihui pointed out that blockchain is an integrated innovation of multiple technologies and has the following four characteristics.
Chain block structure based on timestamp, it is difficult to tamper with the on-chain data; Real-time running system based on consensus algorithm, specified data can be shared; Based on self-rules of smart contracts, technical trust can be authenticated; Based on the end-to-end network of the encryption algorithm, the counterparties can choose each other.
According to different technical architectures, blockchain can be divided into 3 types.
The basic characteristics of the public blockchain architecture are: a decentralized distributed ledger that uses open read, write, and transaction permissions; a decentralized digital trust mechanism that uses consensus algorithms and encryption algorithms; and a virtual currency incentive mechanism that demonstrates work contribution and equity. .
The technical drawbacks of the public blockchain architecture are high hardware requirements and low transaction speed. If the public blockchain can break through the technical bottleneck of transaction speed and resource utilization efficiency, and achieve publicly recognized reliability, it may be able to expand the territory in social life and modern commerce.
The characteristic of the private blockchain architecture is that the distributed ledger is centralized, and the read, write, and transaction permissions must be approved by the "central" and subject to the constraints and restrictions of the "central". The digital trust mechanism of the private chain does not emphasize "going intermediary".
Private blockchain has the "centralization" feature of traditional information technology architecture, but uses blockchain technology such as distributed ledger, smart contracts, and encryption algorithms. Blockchain platforms are easy to integrate with existing information technology platforms and can establish bureaus Regional multi-dimensional interaction architecture improves data processing speed and quality.
Alliance blockchain can generally be regarded as a collection of private blockchains. It adopts a distributed, multi-center, intermediary architecture. Its basic characteristics are open-source, multi-center distributed ledger, limited license, limited authorization. Read, write, and transaction permissions, without emphasis on the digital trust mechanism of intermediaries.
Different from the traditional big center data architecture, the "central" status of the alliance chain may not be designated by the administration, but largely depends on the competitive results of technological advancement and service friendliness; "trust" can come from intermediaries and rely on tradition Credit model can also be technical trust without intermediary.
The characteristics of distributed, end-to-end, open source, and multi-center that the blockchain technology theoretically possesses are likely to restructure the technology architecture in a certain range and rebuild the business model in a certain range.
First, the distributed architecture and end-to-end network are helpful for the parallel transmission of information, the realization of information sharing, and the parallel control of control. In the scenario of many counterparties, many transaction links, long management chains, and high degree of discreteness, time-space folding And three-dimensional interactive business architecture to improve cooperation efficiency and operation efficiency.
Second, the chain block data structure, consensus mechanism, time stamp, and key technologies can help prevent tampering of the original data, control the risk of data leakage, and protect privacy and data security.
Third, smart contracts help to achieve differentiation and credibility of transaction rules, automate the execution of business processes, ensure the timeliness of transactions, avoid false transactions and repeated transactions, and reduce moral and operational risks to a certain extent.
In the field of finance, the application of the alliance's blockchain technology is likely to build a distributed ledger system in which large, medium and small financial institutions participate together, forming a technical platform for financial institutions to interconnect and interconnect, and to seamlessly link existing systems with innovative systems and realize financial The direct link between the service system and customers enables information sharing, product sharing, and service sharing to provide more efficient financial services.
The practice of blockchain technology development and application proves that in large-scale commercial applications, the alliance blockchain is most likely to become the mainstream architecture.

Central Bank Legal Digital Currency
Digital currencies with legal status, endorsement of state sovereignty, and subjects with issuance responsibility constitute legal digital currencies, or central bank digital currencies.
Central banks of many countries have long announced the launch of digital currency research and development. But regarding the basic structure of legal digital currency, countries are still demonstrating and have not yet made a choice.
The development of China's fiat digital currency lasted for 5 years, and there have recently been signs of preparation for issuance. According to the information disclosed by central bank officials, China's legal digital currency may be called DC / EP, Digital Currency / Electronic Payment, that is, digital currency and electronic payment.
First, adopt a two-tier operation delivery system to inherit the indirect issuance model. Applying digital technologies such as blockchain, fiat digital currencies can adopt the "central bank-public" direct issue model. In the direct issue model, the central bank can have the absolute power and ability to regulate the money market and can directly absorb public deposits, which will limit the initial credit capacity of commercial banks. If the indirect issuance model of the fiat currency "Central Bank-Commercial Bank-Public" is selected, it will inherit the current money market operation mechanism and monetary policy transmission mechanism.
The benefits of inheriting the current model are savings and robustness. First, it is not necessary to rebuild the financial infrastructure, which is conducive to saving investment; second, it is not necessary to restructure the currency issuance and management structure in addition to the old cloth, which is conducive to managing risks; third, it is not necessary to look forward and backward to connect different characteristics of the currency issuance model, which is conducive to stabilizing the market.
Second, adopt a parallel technical route and adhere to the central bank's central management model. Based on the judgment that "the existing blockchain technology cannot meet the high concurrent demand of the retail market in the super market", fiat digital currencies should remain technologically neutral and do not rely on a single technology. The central bank should adhere to a centralized management model to ensure the reliability of the monetary policy transmission mechanism, the efficiency of currency control, and prevent financial institutions from overspending.
Third, the "account loose coupling" method is adopted to replace the currency M0. Electronic payment tools such as WeChat Pay and Alipay use the "tight coupling of accounts" method. They need to be tied to a bank account and transfer value through the bank account. Under the real-name account management system, the need for anonymous payment cannot be realized. The fiat digital currency may adopt the method of "account loose coupling" plus electronic wallet, to achieve end-to-end value transfer from bank accounts, reduce the dependence of financial intermediaries on transaction links, and achieve controllable anonymous payments within the scope permitted by the central bank.
At present, the design of China's legal digital currency may be limited to replacing M0, that is, cash in circulation, rather than narrow money M1 and broad money M2. This depends on the judgment of the digital trends and potential market demand of China's M0, M1, and M2.
WeChat Pay and Alipay use digital technology to build mobile payment and living service platforms that use trust links as a link, breaking through the traditional payment model, and have achieved 1 billion straight-line links, ranking among the top 2 in global mobile payment platforms. WeChat Pay and Alipay dominated the retail payment market, with cash and ATM transactions significantly reduced, and bank cards became bundled account cards.
The legal digital currency in China's design can theoretically be separated from the network and from banks to perform value transfer. This is different from WeChat Pay and Alipay. But in the end, whether it can replace traditional currency forms, replace emerging electronic payment tools, and become the main currency form and main payment tool will be decided by the market: it is more convenient to use, the circulation cost is lower, and the public is willing to accept it, thereby forming an economic scale with commercial value .

Digital Economy National Strategy
The application of blockchain technology has extended to many fields such as digital finance, the Internet of Things, intelligent manufacturing, supply chain management, and digital asset trading. How to evaluate the current status of blockchain technology and industrial development? My opinion is that the underlying technology of the blockchain is not yet mature, and the technical bottlenecks of large-scale and reliable applications need to be broken. We are in the period of great opportunities for the development of blockchain technology and industrial innovation.
First, blockchain technology is still immature and bottlenecks need to be broken.
In the underlying technology, as a technology integration innovation, the basic components of the blockchain database, P2P peer-to-peer network, and cryptographic algorithms are relatively mature, but they must further meet the new requirements of integrated applications; new mechanisms such as consensus mechanisms and smart contracts Technology needs to be improved. Gartner, a technology consulting company, believes that it will take 5-10 years for blockchain technology to mature.
At present, large-scale applications of blockchain technology have not been implemented in various countries. China's blockchain technology research and development is committed to breaking through the bottleneck of large-scale reliable applications.
The first is private computing technology. Under the blockchain consensus mechanism, how to effectively shield sensitive information, improve signature technology, secure computing technology, encryption technology, trusted execution technology, etc., to ensure data security and digital link reliability.
The second is the authenticity supervision mechanism. How to ensure the authenticity and integrity of the data before the on-chain, when the blockchain technology is used to trace the source of various assets, a closed loop is truly formed to avoid information distortion and prevent speculation.
The third is smart contract technology. How to avoid technical loopholes in smart contracts, and achieve controllable business logic corrections and contract upgrades.
The fourth is key technology. Key security is the cornerstone of blockchain trust. In the unique technical structure of the private key, how to effectively prevent the private key from being stolen or deleted maliciously, and to remedy the loss and theft of the private key.
Fifth, integration of diversified technology platforms. How to optimize the multi-dimensional parallel interaction architecture to achieve efficient links between more participants; how to improve the quality and speed of data processing to achieve ultra-large-scale, high reliability, and high security requirements.
Second, implement the national strategy for the digital economy.
The attitudes and trends of developed countries on digital finance and digital economy deserve our attention.
The United States is concerned about digital financial market norms. The focus of US regulation is to regulate digital financial markets and prevent digital financial instruments from being used in illegal areas. In 2017, the U.S. Securities and Exchange Commission included ICOs under supervision, and the U.S. Commodity Futures Trading Commission approved the Chicago Options Exchange and the Chicago Mercantile Exchange to launch Bitcoin futures trading. In 2018, the United States Securities and Exchange Commission stated that the regulatory strategy for digital currencies is to use case law enforcement rather than a systematic interpretation of securities laws, and to carefully, orderly, and actively clarify regulatory principles and boundaries.
Germany and France are concerned about digital sovereignty. On October 29, 2019, Germany and France announced the "Gaia-X" project involving German and French core companies, which aims to build a secure and reliable data infrastructure for Europe. German Economy Minister Peter. Altmeyer said that this infrastructure will help us regain digital sovereignty and lay the foundation for a digital ecosystem. French Minister of Economy and Finance Bruno. Lemaire said the project will include data storage, data concentration and data sharing. German Chancellor Angela Merkel said that what worries me most is that most of the processing of industrial and consumer data is done by American companies, and a kind of dependency relationship is being formed. Merkel advocates taking a long-term view and digitizing the overall layout from as many European perspectives as possible.
We should implement the national strategy of the digital economy and maintain the security of the digital economy.
The first is to master autonomous and controllable technologies.
On the underlying technologies such as the blockchain consensus mechanism and smart contracts, China currently lacks independent property rights. Most of the application projects in China use the open source blockchain underlying platform for adaptive adjustment and development, and optimize from the number of concurrent users, throughput, response time, availability, security, etc., to meet business needs, to achieve identity authentication, privacy Protection, node management and other functions.
Extensive application of foreign open source programs may lead to technology dependence risks, and must comply with the jurisdiction and legal constraints of the place where the open source platform is registered, potentially hiding geopolitical risks. For example, the terms of use of the open source program GitHub clearly state that the use of GitHub must not violate export control or sanctions laws in the United States or other applicable jurisdictions.
We should vigorously support technological innovation and strive to master digital technology. Clarify digital technology and digital industry policies, grant tax and fee concessions to digital technology R & D enterprises and professionals, encourage digital technology R & D and application, national team plus private team, Chinese plus foreign capital, large, medium, small and micro. In the field, we have independent and controllable intellectual property rights and establish global competitive advantages in key areas of digital economy and digital finance.
The development of next-generation computing architecture should be intensified to ensure the fairness and correctness of mathematical algorithms, the privacy and reliability of data, the security of the entire process and the entire cycle of data, and the speed and efficiency of mathematical algorithms.
The second is to accelerate standardization and institutional innovation.
The International Organization for Standardization ISO has established a blockchain and distributed ledger technical committee to study 11 standards, including terminology, reference architecture, privacy and personal information protection, security risks and vulnerabilities. The International Telecommunication Union (ITU) has established a distributed ledger technology security-related problem group to study 10 standards, including security assurance, security threats, and security framework. The development of IEEE standards for the Institute of Electrical and Electronics Engineers is mainly focused on blockchain in the fields of IoT data management, digital asset management, government department applications, and cryptocurrencies.
China's blockchain financial standardization construction and institutional construction have just begun. We should pay close attention to improving the technical standards, security specifications, and certification review systems for blockchain finance. Clarify the legal definition of assets, clarify the contractual nature and effectiveness of smart contracts, and clarify the responsible subjects and their behavioral and regulatory standards in a distributed architecture.
Based on the healthy development of digital finance, China should speed up the construction of the digital financial system and step up efforts to formulate digital financial systems such as blockchain financial supervision, digital asset market supervision, digital currency supervision, and legal digital currency issuance. Make overall plans and gradually establish a digital trust mechanism.
Digital currency will occupy a core position in the future global digital economic competition. It is necessary to step up research on the feasible path and implementation plan for the issuance of China-led global digital currency. It is necessary to further explore the feasible path of China's legal digital currency, including alternative range selection, controllable anonymous scale, offline operation technology, and so on.
Digital finance is bound to further strengthen the globalization of finance. In the construction of the global system of digital finance, China should actively participate in and strive for the right to speak. It is necessary to strengthen international regulatory coordination, promote regulatory consensus, and establish a unified international regulatory standard for digital finance.
submitted by Yayowam to CryptoCurrency [link] [comments]

60 DoD Week 6: Finances

60 DoD Week 6: Finances
By failing to prepare, you are preparing to fail. – Ben Franklin
Having a financial plan is vitally important for a number of reasons. What do you think the greatest stressor in relationships is? The lack of sex your wife is giving you? Close one. It’s money, although your shaved balls might think otherwise.
So don’t you think having a plan is critical to fixing your well-being? You have a MAP to get in shape. Why don’t you have a plan for your finances.
This post might better well be served in personal finance, but screw it. I’m going to town. For the folks overseas, some of this content might be US-specific.
On Net Worth
In order to calculate your net worth, you need to take your assets, such as your checking account, savings, house, etc, and subtract your liabilities, your mortgage, credit card debts, and loans, and you’ll get your net worth.
This is a good time to be spreadsheet guy. But instead of counting how many ladies you are seeing or counting how many times you had sex, use Excel for its intended purpose.
Start calculating it annually, quarterly, monthly. Whatever frequency you feel like you need to get a handle on where your net worth is going. For myself, I do this quarterly, though I have my finger on the pulse pretty frequently.
On Budget
You want to get ahead? You have to operate on a budget. Know what you are spending, what you are saving, and where your money is going.
For me, I’ve got it set where it takes me about 7 minutes to log into the various accounts, take certain numbers like food spend and so forth, and plug those numbers into the Excel boxes. Plugging them in allows me to quickly project the next three months spend and where I’ll be. Some numbers are easy to find, like the fixed costs of mortgage and student loans. Some numbers you have to estimate or look up, like variable food costs and gas/electric. I do this about once a month. It doesn’t take long at all – just making sure I have good cash flow and sticking to my budget.
Take the time to do a detailed line item comparison. You should know exactly how much is going where. The real key though is STICKING TO YOUR BUDGET. You have to keep to it in order to meet your goals.
On Financial Literacy
It’s key to have a good understanding on financial literacy. You have to understand things such as what is the market, what is a stock, what is a bond, what is a dividend, what is a mutual fund, and so forth. You have to know what you are investing in. Take your financial knowledge and move it up. There are literally tons of free information out there. Start going to town. And for the advanced players, go learn the ins and outs of your brokerage firm’s website and trading platform – I mean really learn it, not just “Oh, here’s how I do a buy order on a stock.” Learn how to screen for stocks, mutual funds, and bonds effectively.
Side note – If you are in the US, I recommend joining AAII. I have gotten a great deal of value out of my membership to them. A number of HNW individuals I know recommended it to me, though I had joined and got the lifetime membership before I met them.
On Bogleheads
Personally, I’m a Boglehead. Jack Bogle, man, he was the Chad of passive investing. I believe that passive investing (indexing) long term beats active investing long term. So does Warren Buffet. All my research agrees with this from a long term standpoint.
I’m also a fan of creating an Investment Policy Statement
Boglehead Resources
https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy
https://www.bogleheads.org/wiki/What_the_experts_say_about_investing
https://www.bogleheads.org/wiki/The_twelve_pillars_of_wisdom / https://web.archive.org/web/20070304091730/http://www.vanguard.com/bogle_site/april272001.html
https://studentloanhero.com/featured/bogleheads-invest/
https://www.bogleheads.org/forum/index.php
I would highly encourage you to review these links and check out their philosophy on investing.
On Being a Contrarian
I’m also a fan of being a contrarian. Be greedy when others are fearful, and fearful when others are greedy. You see it with the Bitcoin bubble. You see it when the stock market goes up and down. Oh no, the market is going down… whatever shall we do?!? You stick to your guns. I’m not saying go catch a falling knife. I’m saying that you stick to your plan. There is opportunity when people are fearful, and caution is warranted when people are being greedy. You have to evaluate where we are in the economic cycle as well.
On a Cup of Starbucks and Retirement
You might have seen the example where someone buys a cup of Starbucks every day and then finds out that if they took that money and invested it toward their retirement, over the span of say 30 years they’ll have like an extra 200k. I have two comments on this. First, be frugal, but don’t deny yourself. Don’t let frugality control you. Second, don’t just focus on controlling the little changes like saving a cup of Starbucks every week, focus on the BIG areas. Focus on getting a new job that pays you an extra 40k per year. Focus on saving 100 bucks off your cable (1200 bucks saved per year). Focus on lowering your taxes. What I’m saying is focus on not just the small areas, but also make the bigger impact areas a higher priority. And stop drinking so much Starbucks – make it yourself. Grind the beans, for crying out loud.
On Automating
Automate your finances. Make it EASY for yourself to save money. Set up your automatic bill payments for your credit card, loans, mortgage, and bills. Take advantage of the modern tools nowadays for app/camera based check deposits. Have money taken out of your paycheck before you get it, whether it is for retirement or into a separate savings account, so you can accumulate a rainy day fund. I’ve automated as much as I can, with direct withdrawals taken out for mortgage, credit card payments, gas and electric, and for the other areas like telephone those are automatically paid from the credit card, which then is automatically paid from the checking account. Automating saves time, which is a critical resource.
On Buying a Car
Here’s your resources:
https://www.reddit.com/askcarsales/wiki/index
https://www.reddit.com/askcarsales/comments/19niva/car_buying_faqs/
https://www.reddit.com/askcarsales/comments/4j2okj/what_to_expect_from_your_dealership_visit/
https://www.reddit.com/askcarsales/comments/613jvn/askcarsales_faq_updated_march_2017/
http://fightingchance.com/ - I used these for private market research, and was worth every penny.
There’s a lot more here, but this should get you through the basics. Simply, knowledge is power. The more you know, the more power you have. If you don’t know every single line item that is going into your purchase, whether it is an accessory, taxes, that stupid coating that they try to sell you for $1000 but it’s really just worth $100, etc., then you’re not ready, and you’re more likely to be fleeced.
Just even walking into the dealership and observing other customers and their interactions with the car salesman, it’s like watching sheep. Don’t be a sheep. Be prepared. And be prepared to walk too. Cars are a commodity. You can buy the same car someplace else cheaper. Remember this – cars are a commodity, and there’s lots of dealers out there.
Side note – “But Steel, what about TrueCar? That seems awesome. I’ll just go in, get my TrueCaCostco/KBB/XXX price and I won’t even have to do anything to get a great price.” Let me tell you this. Dealers would be HAPPY to sell you at the TrueCar price all day long. With proper preparation, you can negotiate a far better deal. Last time when preparing, I had a binder. That binder saved me over 9k. Cost me 5 bucks at the local pharmacy. Printed out all my info, was prepared as all get out, and had a prepared offer ready to go (I used my own sheet, not theirs). Be prepared, that’s what I’m saying. And don’t fall for the four square technique. I just chuckled at the different dealerships at how they try to pull that one. Hell, I went through YouTube and viewed a couple of videos on how car salesmen sell, so I had an understanding of their mentality and what they do. Be prepared.
Generally, there are five major parts for buying a car: Trading in your current car, buying your new car, buying options on a car (like that fancy heated steering-wheel), extended warranty, and financing. You should own every single area of this. As an example, when you are talking about trading in your current car, you should ALREADY have your price quote from CarMax in hand, as well as other offers from other dealers. You should know what your car is worth if it were to be sold (remember supply and demand – what is it really worth: what someone will buy it for). You should already have the KBB and Edmunds value of your used car. For your new car, you should have a breakdown of every single thing on it, including options, doc fees and ERT. For your fancy accessories, you should have the MSRP of these accessories, the actual cost of them buying (wholesale parts warehouse), and an estimate in your head on labor costs (cause parts don’t get installed by themselves). For your extended warranty, I would just say that there is a reason why this is one of the most profitable areas of a car dealership. If you simply must have an extended warranty for peace of mind, go find a wholesale warranty. Do your research. Don’t buy from the dealership. Most cars nowadays anyway are built quite well with high standards of quality control, so they’re not failing like they used to. On financing, make sure you set up your own financing before you walk in. It makes life much easier, as the car dealers get money on financing as well. If the dealership can beat your credit union, more power to them. It’s powerful as all get out when you walk in with a prewritten cashier’s check at a super low interest rate and you’re ready when they start asking you how you are going to pay for the car. “Well, I am preapproved for x amount (aka the full amount of the car), but I’d like to see what specials and discounts you have.”
It’s all about how much money you can save in each one of these areas.
Granted if you’re BETA BUCKS and your time is worth more than doing a bit of research, that’s fair. Some folk just walk in and buy a car right there with a minimum of haggling. That’s how much their time is worth to them, and I know a few people who are like this. I’m merely presenting an alternate approach. To me, it was worth the time to save more than a few thousands.
On Buying a House
For many people, a house is the largest purchase that they make in their lifetime. Many of you have already bought houses, so I won’t go into this in detail, but again, from The Millionaire Next Door – “If you’re not yet wealthy, but want to be someday, never purchase a home that requires a mortgage that is more than twice your household’s annual realized income.”
I see a lot of you going “Shit” after reading that.
On a Side Hustle
I didn’t even have to write anything, u/red-sfpplus already wrote an excellent post on this topic - https://www.reddit.com/marriedredpill/comments/7i7x4q/the_financial_hustle/
Learn from his example. And then buy the man a drink.
On What to Do First
"Successful Investing takes time, discipline and patience. No matter how great the talent or effort, some things just take time: You can't produce a baby in one month by getting nine women pregnant." - Warren Buffett
First of all, take stock of where you are. Figure out your net worth, and what you have and what you owe (and interest rates). I would say the first thing to do is to have a three to six month emergency fund. This can be done in conjunction with getting rid of high interest debt (such as credit card debt), however if and when you have an emergency, you’re going to need to tap into something.
Start your budgeting process. Know where your money is going. Fix it.
Most people don’t even have a thousand dollars in savings. Don’t be like that.
I would also note that the Personal Finance subreddit has this already diagrammed out in a flowchart in their wiki - https://i.imgur.com/lSoUQr2.png
On Giving Back
So you give back, right. Of course you do. But what I suggest is potentially setting up a charitable fund, so that you can maximize your charitable deduction annually. You can give a larger sum one year, and then less/none the following year – and maximize your deduction the first year. Something to consider. Plus then your charitable fund is invested, will grow with the market (remember you need a plan and asset allocation here as well), and the growth can be given to the charity as well, tax free. I’d recommend Vanguard, but really there are a number of places that do this.
On Habits of Millionaires
From the book The Millionaire Next Door, here are the characteristics of millionaires:
• They live well below their means
• They allocate their time, energy, and money efficiently, in ways conducive to building wealth.
• They believe that financial independence is more important than displaying high social status
• Their parents did not provide economic outpatient care.
• Their adult children are economically self-sufficient.
• They are proficient in targeting market opportunities.
• They chose the right occupation.
On Building Wealth
You want to build wealth? Don’t have a high consumption lifestyle! Think for a moment. How much money do you think it takes to maintain an upper-middle class lifestyle vs. how much money do you think it takes to maintain a middle-class/blue collar lifestyle? Bespoke suits. Luxury cars. Bigger house. More property taxes. And so forth. Think of all the stuff you have to purchase to keep up with the Joneses. Cost of cleaning. Cost of buying furniture for that fancy house. Etc.
“But Steel, I don’t care about the Joneses.” Sure you don’t. But your wife does. Watching that HGTV, picking out the stupid pillows that breed like rabbits in your house when you’re not looking. There’s something about a house that factors into the Female Social Matrix.
Frugality is the name of the game. Frugal being “behavior characterized by or reflecting economy in the use of resources.”
Don’t be wasteful. Don’t have a lifestyle marked by lavish spending and hyper consumption. You want to build wealth? Be frugal.
Most people will not become wealthy in one generation if they are married to people who are wasteful. You can’t accumulate wealth if one of you is a hyperconsumer.
On Offence vs. Defense
So you’re not beta bucks, you’re BETA BUCKS! You make it rain! Good for you. You play great offence. But how’s your defense? How’s your wealth accumulation? Are you spending like there’s no tomorrow? If you want to win the game, you have to play great offence AND defense.
Here’s some questions for you:
• Do you operate on an annual budget?
• Do you know how much you spend each year for food, clothing, and shelter?
• Do you have a clearly defined set of daily, weekly, monthly, annual, and lifetime goals?
• Do you spend a lot of time planning your financial future?
To build wealth, minimize your realized (taxable) income, and maximize your unrealized income (wealth/capital appreciation without a cash flow).
How do you become financially independent? You have to plan, and you have to sacrifice. You sacrifice today for financial independence tomorrow.
On Your Wife & Buy-In
As part of your plan and budgeting, once you have it all set, get buy-in from your wife. But do this not like you are seeking approval from mommy (aka you validation whore you), but matter of factly here is the plan, we are budgeting x amount for these areas. Here is our plan. Set out a vision.
On Financial Vision
Read it and weep - https://www.reddit.com/marriedredpill/comments/3fecgi/first_budget_discussion_leads_to_minor_meltdown/ctnya77/
“One rarely talked-about element of Married Game is a subtle thing known as Vision. Most husbands don’t appreciate what a strong DHV possessing Vision is, and they proceed unaware of the power it can add to their relationship. Most husbands do this because they don’t understand Vision, what it is and how it is manifested, much less the subtle but important role it holds. Let me explain: once upon a time I was working for a personnel agency, and one of my jobs was coaching our people on interviewing techniques. I learned a lot about the process as a result, from both the interviewer and the interviewee side. When it came to my clients who wanted high-quality employees with good technical skills – real talent – I learned the sorts of things that such high-demand technical people wanted in a company. Money, of course, and security and benefits. But beyond that gifted employees want to work for a company with a history, a good culture, and (most importantly) a Vision.
What is Vision? In this context Vision is a manifested idea of the future. Everyone wants to work for a company that’s changing the world and is doing so in a positive, pro-active way. No one wants to work for the company that’s floundering, desperate just to meet its next quarter’s goals. Vision is a generally-stated plan-of-action toward a distant but achievable goal, presented in an enticing enough manner to inspire. It’s short on details and long on generalizations. It’s reflective of inner beliefs, values, and judgments, an indication of character, foresight, and initiative. It should be bold, meaningful, and challenging.”
Now, this quote above is excellent. You need a vision for your life, but you also need a vision for your finances. What would your financial vision be? What does it look like to you? Create it, and then be ready to share that with your family.
On Love of Money
Remember folks, money itself is not the root of all evil. It’s the LOVE of money that causes the problem. When you are so driven to be a better beta bucks to get that coin, and start neglecting yourself, your relationships, etc… you’ve got problems. Money is just a tool in the toolbox. Use it, don’t let it use you. Don’t become a slave to money. Your life doesn’t consist of how many toys you have. And you can’t take it with you when you go.
On Insurance, or Lack Thereof
Would it surprise you to know that most people are underinsured? Make sure that you have enough of the key five types of insurance: health, car, homeowners/renters, life, and disability. Preparing yourself for these situations can save you a lot of pain in the future. Also, make sure you get enough umbrella insurance. Typically they say have enough umbrella insurance to cover your net worth, but I recommend getting a bit more.
A quick note, practically, do not get whole life insurance. Get term insurance, and invest the difference in cost between whole life and term. You’ll be much better off. And yes, this is for 99.9% of situations. The remaining .1% of situations are when someone is really wealthy and there are estate and tax considerations. Aka for most of us, don’t worry about it.
And take care of your health, so you don’t get fat when you are older and have related medical problems. Put. The. Fork. Down.
On Assets and Liabilities, Rich Dad Poor Dad Edition
A number of you have read Rich Dad Poor Dad, and there’s controversy in it. I disagree with a number of items in there, but there is an interesting point in there about how he views assets and liabilities:
“You must know the difference between an asset and a liability, and buy assets. If you want to be rich, this is all you need to know. It is Rule No. 1. It is the only rule. This may sound absurdly simple, but most people have no idea how profound this rule is. Most people struggle financially because they do not know the difference between an asset and a liability.”
He has a simple, non-accounting definition - “An asset is something that puts money in my pocket. A liability is something that takes money out of my pocket.”
Buy assets. I like it. What is out there that you can buy that puts money in your pocket. Stocks. Bonds. Mutual Funds. Real Estate that produces Income. There are a ton of items.
You should also think about getting rid of your liabilities… the giant boat, the private jet, the cluster B horrible sex-depriving wife (you know who you are)… you get the idea.
On Disaster Recovery and Information Security
What were to happen if you were to croak, or your only laptop with all your financial data was stolen or destroyed in a fire along with all your financial papers (see, you should have gotten that fireproof safe)? Would you have a plan on what to do? Would your spouse? Your kids? I would suggest making a backup of your finances, statements, tax returns, and other important papers, and put that on an encrypted USB key with a password that you and your wife knows, and then storing that someplace secure. Note that you can do fancy stuff like cloud storage, and so forth – but you need to have a plan for the worst case scenario.
Additionally, make sure that you use two-factor authentication when you log into your banking accounts (if they have it), as well as don’t repeat your passwords for your financial accounts.
I would even suggest having a separate secured email for your banking accounts, and another one for your personal accounts that get those damn spam emails all the time.
Don’t be stupid with your financial accounts. Using the same password is stupid. Yeah, I’m talking to you.
On Practical Advice
Do get rid of high interest credit cards. If you’ve got a balance on your 29.99% APR credit card and are paying that interest every month, it’s in your best interest to eliminate that debt as soon as possible. You’re not going to get a 29.99% return in a month in the stock market (unless you take on excessive risk for that return, obviously). Try to transfer that balance to a promo 0% interest credit card, and work that down.
Don’t borrow from your 401k. You’re cutting out your future returns. Don’t make that 401k loan your emergency fund, but rather have a separate emergency fund.
Do use credit cards over debit cards, for a whole host of reasons (theft being the primary reason).
Do pay yourself first. Take out at least 10% of your paycheck before it hits your checking account, and start saving.
Don’t pay monthly or annual fees on checking accounts or savings accounts. You shouldn’t be paying a bank to store your money. They should be paying you for that privilege.
Do get solid credit cards that give outstanding rewards. Do your research. Get at least 2% cash back if you can. Shoot for 5% or more. For example, Discover allows you to get 5% cash back in certain categories, and then you can redeem $20 for a $25 gift card to a number of different vendors. Looks like you just got a 6.25% return.
There are plenty of other examples. Do you spend a boatload at Amazon? Get your 5% return. As an example – I get a 5% return on gas using a certain credit card. It’s unlimited throughout the year, and is redeemed as a statement credit, so I don’t have to worry about redemption. I have a certain Amex that I redeem at 4.6% points per dollar spent, plus a 2% general cash back card (some places don’t accept Amex). I could go even crazier, like getting the 3% on restaurants, or churning cards (and there are a lot of sites out there on how to churn successfully), but at some point, it’s not worth it.
Do realize that credit cards make it easy to buy things that you don’t need. Recognize that part of yourself that wants to overspend. Ask yourself, do you need whatever it is you are buying. Would it hurt more if you paid in cash rather than credit. Buying with credit encourages you to buy more than you can afford.
Do shop around for loans/services. I asked my bank what the best car loan they could give me – they said 2.99%. I asked my credit union, and they got me 1.49%. That’s a big difference in interest over the course of a loan. Generally due to how credit unions are structured (and their presence – mostly online), they will have better deals on certain loans than banks, depending on the product.
Don’t delay saving for retirement. Generally, you’ll want to be saving 15% or more of your income for retirement early on. If you don’t save early, the harder it will be.
Do try to simplify your finances. It makes it much more complicated if you chase after the best savings rate for your online bank, and then have many accounts all over the place. The 20 dollars that you get in interest is not worth the complexity and time (aka your most valuable resource) it takes to manage all that stuff.
Don’t use your HELOC unless you have to. I have a large HELOC, but I don’t use it. But who knows when I need access to a large sum of money. And don’t use it in lieu of your emergency fund. You need both.
Do some research into budgeting tools. There’s a lot of people on these threads that recommend YNAB. I personally haven’t used it, so I can’t recommend it one way or the other. I’m old school (and cheap thrifty – why would you pay for something if you can do it yourself). But definitely check those tools out – Mint, Personal Capital, YNAB, budgeting tools through your bank, etc. Also, if your credit card does an annual summary (like Amex does), make sure you look at it to get an idea on where you’re spending – it’s very helpful.
On Tips for Saving Money
There are a ton of ways you can save money. Go ahead and google “how can I save 1000”. Wait, I did that for you - https://www.google.com/search?q=how+can+I+save+1000
Take some time, call up your cell phone providecable provider and see what specials they have. There's a ton of things you can do to save money quickly.
On Too Much Money
Say you’re an ostrich farmer, and are flush with cash. You’re asking yourself, ok, so I’ve maxed out my 401k, I’ve maxed out my Traditional IRA and then backdoored it into a Roth IRA for tax diversification plus the benefits of a Roth. I’m contributing to a 529 plan for the kids. I looked into mega backdooring my Roth but darn it my employer doesn’t let me do that. I’m doing all of the tax advantaged things I can. I still have this extra 300k sitting around – what do I do with it?!? First world problems, amIrite. Again, this comes back to your plan. What’s the short term plan with this money. What’s the long term plan. What’s your risk tolerance. What assets can you invest in that fit in with your plan. You still have to manage your budget, even if you are a 1 percenter.
On the Best Investment and Most Important Resource
I’m a firm believer that the best investment is investing in yourself (and your family and kids), and your most important resource is not money, but time. Learn a skill. Go get a degree. Give your kids a head start. Help your wife accomplish a goal. Do what you can to save time. Money of course helps, but you know what happens when you teach a man to fish.
On Happiness
Is money linked to happiness? Yes, but only to a point - https://www.usatoday.com/story/money/nation-now/2018/02/26/does-money-equal-happiness-does-until-you-earn-much/374119002/ and https://www.usatoday.com/story/money/personalfinance/2016/12/09/key-money-happiness-may-how-you-spend/94308848/
Honestly, at some point, money just becomes a scoreboard. Money will give you security. It will remove a stressor in your life. It will remove fighting and stress in your relationship (about money, fool). It will allow you to do many things. But eventually, money won’t give you happiness. You have to figure that one out yourself. And of course there’s the joke about “Money can’t buy you happiness, but it can buy you a yacht big enough to pull up right alongside it.” – David Lee Roth.
On Money and Attraction
Money by itself will not make your wife’s panties wet. Keep that in mind. Having and getting money is basic adulting. Same with saving and managing it. You want to get her wet? Get in shape. Lift. Does money boost your status? Sure. Is status one of those areas that has some effect on where you are in the sexual marketplace? Sure. Pure physical attraction? No. Do you really think that making MORE money is going to have your wife give you more sex? Of course not - https://heartiste.wordpress.com/2014/06/02/money-wont-save-beta-males/
Get in shape. Be hawt. And fix your damn teeth so you can smile like you are a somebody.
On a Brief Story
So I was talking to a friend of mine, and I asked him how he and his wife set up the finances. He told me about this system, where his paycheck goes into his checking, his wife’s paycheck goes into his wife’s checking, and they have a joint savings account. Then he went into a convoluted description on how each of them pays certain bills, and how what he’s paying is not fair since he’s paying the mortgage AND property tax AND daycare, etc etc. I thought to myself, man, what a convoluted way to deal with stuff. They would then have multiple financial meetings, and discussion on who pays what, and all this extra stuff. It was just a lack of overall ownership going on.
Just take care of the finances. Figure out a system that works for you. I’m not going to tell you which system is the best, because it’s all dependent on your unique circumstances (example: heavy spender SAHM vs saver career girl, you’ll need to put some deep restrictions on the heavy spender). But own it.
On Who Owns the Finances
You own the finances. Period. End stop. From the prior post on finances, it’s so important that I’m putting it here again:
“At the core: Who do you want in charge of your financial future?
The person interested in maintaining status quo and safety at all costs with your happiness and satisfaction a secondary or minor consideration? Or you?
If you've learned anything here it's that you need to be a captain. Putting your wife in the family alpha role breeds contempt and most of the problems that brought your here. Besides control of sex, family MONEY decision veto power is the key indicator of who is wearing the pants.”
submitted by SteelSharpensSteel to marriedredpill [link] [comments]

Need $55 to put my belongings in storage prior to imminent homelessness. Loan, gift, or trade for work?

UPDATE: Many thanks to dukethexiaogogo for the $55 I needed! I'm incredibly grateful to her and everyone here who took the time to leave a comment, thumbs up this post, or just read my story. Bless you all.
Location: Montgomery County, Maryland, USA
The short: Considerably short on rent for September, I spoke with my roommates who I informally sublet from, and while initially willing to work with me they've decided to terminate our relationship. I now have 7 days to vacate (the amount of notice we orally agreed to when I came here) unless I come up with the full amount, which is not going to happen. And I'm not here to ask for a bailout on that. I'll survive, but the immediate issue right now is getting my clothes, papers, and my mother's cremains to a safe place. I will have enough income going forward to pay for future months.
The long: A difficult time taking care of my mother while she suffered from illness and injuries. And then her death in March. Afterward I found a room for rent that I could afford, and was doing fine until I lost my offline retail job at the end of July following hours cutbacks at the district level. I had enough to pay August's rent though with a little left for food, and fortunately picked up some online graphic design work a couple weeks ago. I do freelance book covers, banners, things like that. Unfortunately, a $700 project I landed and had put considerable effort into got cancelled, and regrettably I didn't require a partial deposit first and was left with nothing. I have another project though that I'm finishing which will pay $200 on the 31st, from a long-time client who always pays on time. She's unable to pay me sooner (I asked), and I'm currently down to my last $11. I have been seeking work around town to replace my previous job, but so far have been unsuccessful. I'm without car so I want to move my things to the storage area closest to me, which I can walk to. Thankfully I have a cart I can roll over there and get it done with only two or three trips. Rent for the smallest unit is $55 per month, which is all-inclusive except for a lock I'll need to provide myself. My $11 will be enough to cover that.
I have a rickety laptop which I'll be using to continue my graphic design work, connecting from public wifi when I need to, and my current client who is reliable and trustworthy has promised me a project a month for the next year, so I'll have at least a $200/month income plus whatever else I pick up. Before anyone asks, no, the laptop isn't anything I could sell or pawn. Besides its physical condition shown here (the keyboard and trackpad are broken and I use an external), I need it so I can keep working. And I'm sure I'll find another offline job to help me get back on my feet soon as long as I can keep clean and presentable. There is a homeless shelter I'm going to apply to (they told me there's a waiting list, and I can't get on it until I'm on the street), so if that materializes I'll have a clean place to sleep and shower. If it doesn't, then I'll take part of the $200/month and put it toward a gym membership and use their showers. The local Planet Fitness is $10 a month. So $55 + $10 out of that $200/month still leaves something to help me get closer toward renting a new room, and then whatever other money I'll make. I think I'll be okay on food. There's a soup kitchen in town and I'll also apply for food stamps. If it takes a while to get into a shelter, it should be possible for me to sleep in a stall at the county fairgrounds. I know some other homeless do so. Wherever I end up sleeping, whether in a shelter or not, I plan to drop off my laptop at storage in the evenings so I don't have to worry about guarding it from theft at night. It looks decrepit enough that I'd hope no one would think it's worth anything, but you never know.
Why don't I have family or friends who can help? Good question. Mom was the last of my small family apart from a few older cousins who I've seen a handful of times in my life, mostly at funerals. I've been pretty socially withdrawn for the better part of a decade due to depression, but in taking care of Mom and working in a store I started making some progress in being able to talk to people again at least. I used to make friends wherever I went and I hope to be able to connect with people again like that someday. For now my social life pretty much consists of helping people who post to /tipofmyjoystick. Once I have Medicaid set up, I'm going to see if I can get some help with the depression.
How you could help: Square Cash would be ideal since it'd be immediately transferred to my debit card, but I think there's enough time left that Paypal would work for me too. I have an unused Coinbase account as well if someone wanted to send Bitcoin, Ethereum or whatever other currencies they accept. I don't understand cryptocurrency very well but I'm sure I can figure out how to make a withdrawal. I did add and verify my bank account at one point.
Repayment: If you're willing to provide me a loan, I can either pay you back from the $200 I'll be getting soon, but with no interest, or over a longer term of two or three months with interest, splitting it over several payments. If you need a reference, I can refer you to cacille, who generously provided me an $85 loan last year that I repaid with interest. Alternately I could do some graphic design work for you as repayment. Need a business card or logo? I'd love to help. Samples can be provided privately, but I don't want to link them here and have my work associated with my personal problems.
BTW: Happen to know anyone with a farm who needs a live-in farmhand? I have a little experience with cattle, corn, and poultry from helping my grandparents for a time when I was young. I'm 41 now and a bit scrawny after losing 150lbs, but I love farm life and would work hard at it. A place to sleep and an internet connection (so I can continue building up my freelance work) would be sufficient compensation. I'm willing to travel to any part of the US once I save enough to cover the cost of a plane or bus ticket.
Finally: THANK YOU! Whether you can help or not, I appreciate you taking the time to read all this. Sorry for writing so much, but I'd rather people have too much information to make a decision from than too little.
submitted by manowarp to Assistance [link] [comments]

Senate passed a bill to give ISPs the ability to sell your web data; it has to pass House next week. Regardless of outcome, here's stuff you can do.

First of all, there's nothing you can do about the vote. Calling your Reps, I mean they don't give a s*t about you. We know that. Don't waste your time. They know our position already. Internet has spoken. We don't like it. We don't want this. They won't listen. Revolving door and lobbying > Internet.
But you can do stuff about your privacy even if this passes

Anti-Censorship / Sovereignty Tools

Tool Description
Linux Mint Viable open source (free) desktop OS that can be made fairly secure and is easy to use
Tails w/Tor USB-based security/privacy OS bundled with Torbrowser -- alternatives to Tails, Subgraph
Firefox Privacy Extensions BetterPrivacy, Bluhell Firewall, Decentraleyes, HTTPS Everywhere, WorldIP, YesScript, NoScript (difficult/annoying to use but useful), uBlock Origin, Adblock Plus, Flashblock, Lightbeam, UserAgent Switcher, Disconnect
Iridium Security/Privacy-hardened chromium (chrome) browser
VeraCrypt Sec-hardened truecrypt: full-disk encryption
QuiteRSS RSS newsreader to search / track news across many websites
BleachBit "like with a cloth or something?" --HRC
Privoxy Ad-destroying privacy proxy for prefiltering your web browsing to cut out ads, web bugs, beacons, xss javascript, garbage
Yandex Mail Russian Gmail, in case you think its better Putin spy on you than Hillary's CIA
Yandex, Ixquick.eu Alternatives to Google Search; Although there really is no comparison to Google. (And there's a reason for that)
Thunderbird with Enigmail plugin PGP (GnuPG) email encryption -- you will need a public keyserver also -- still too advanced for most ppl
Vid.me Youtube Alternative because of recent censorship and demonetization of alternative media
Gab.ai Twitter Alternative because of recent censorship and de-exposure of alternative media and alternative public opinion
Freenet Censorship-resistant, anonymous distributed filesystem; extremely, extremely slow
I2P Anonymous overlay network, similar to TOR
DD-WRT Vastly more secure, 3rd-party router firmware with way more advanced options, specifically stateful firewall (only allows inbound response that was requested by outbound req.)
DNSCrypt Encrypted DNS requests; an option in DD-WRT router firmware. Requires a server but dd-wrt offers opendns as a very good option
Bitcoin Decentralized semi-anonymous cryptocurrency without hungry intermediaries
Coinbase Online, Secure bitcoin wallet and bitcoin bank/currency exchange
Goldmoney Online precious-metals backed bank
VPNs No longer recommended as they are universaly useless now. Nearly all VPNs are now being blocked by VPN provider's public IP range by a bunch of collusionary industry a-holes including but not limited to Netflix, Hulu, Amazon, Paypal, all MSM, anyone using top 5 credit card processors and ACH due to Obama era legislation and anti-citizen tomfoolery. Ask yourself: Why would a company that you login to with your credentials care if you use a VPN or not? A: they shouldn't but someone is leaning on them to block your VPN and it's the american intelligence community
submitted by 911bodysnatchers322 to conspiracy [link] [comments]

Hay its Merchant Monday! If you have never used crypto to buy anything I suggest you give it a try... Its quite rewarding! (MM 6/2/2014)

I know most people don't want to sell, or use their coins because its an investment, but if your going to buy something online, at least give It a try once... And you can always buy some Vert specifically to use for spending.. Using Cryto as intended gives it a whole new flavor, and I think you will like it!
If I'm missing anything, or something needs to be changed PM me, or comment below.
Buy anything* online services:
Clothing and apparel:
Food stuffs:
Gift Cards:
Goods/Merchandise:
Wallets/Cards:
Gold & Silver Bullion:
Web Hosting / IT Services:
Other services:
Games:
Marketplaces:
Merchant services/Tools
Charity's that accept Vertcoin:
Gambling: (you may loose all you coins gambling, a better use would be to just buy something or donate to a project to help Vertcoin)
LINKS
submitted by KLAM3R0N to vertcoin [link] [comments]

THE BLUEPRINT FOR FIXING AMERICA SOONER RATHER THAN AFTER IT IS TOO LATE

BEFORE going further with this, bear in mind it was a response to the previous post "WHAT IF LIBERTY WAS ATTACHED TO HUMANITY" and perhaps one might read that long list of QUESTIONS FOR HUMANITY before diving into issues on how one might repair our corner of the world...onward...
Some people claim we are beyond a "tipping point" of no return. This analysis is commonly applied to global warming to describe the melting permafrost that is releasing methane gas which is believed to be 100 times more potent and lasting than carbon dioxide in causing global warming from the greenhouse effect. Others apply the "tipping point" idea to America's national debt; stating that if we switched from our fiat currency back to a gold standard, we couldn't pay off the interest, let alone our debt, based on current exports and GDP figures. Therefore, we have become a patently bankrupt nation contrary to the principles Thomas Jefferson and others warned us to follow to avoid the use of credit. A bankrupt America in a world of currencies based on a tangible asset like gold or levels of exports would be unable to purchase oil to feed our pathetic industries, let alone our levels of consumer consumption of energy. I managed to get through 2016 without using a drop of petroleum, propane or any other non-renewable source of energy. I studied and invested in solar and wind and it took me more than a decade to select and test the appliances, like a low wattage crock pot placed in an insulated cooler, to learn how to maximize my ability to live on minimal power. Americans don't have a decade to spare.
Denmark did it well. They invested in wind and now boast regions with little or no use for petroleum; which is at the heart of both global environmental destruction, loss of rainforests, pollution of rivers, oceans, aquifers and war, which leaves its own lasting toxic landscape, enormous national debt, widespread death, loss of culture, physical and emotional scars. If poor little Denmark can cure its ills, why can't America accelerate our transition to renewables, save a bundle along the way and reduce our desire or need to engage in wars related to acquiring petroleum reserves, or our need to retain a fiat currency required to fund wars, oil purchases, bribe foreign officials and our own elected leaders. If the spigot of free money were removed, would America be as corrupt as it is today, or as destructive worldwide, as we've become?
I believe part of the "Blueprint for fixing America" involves ridding ourselves of the patently corrupt, financially inept Federal Reserve and if possible, dismantling the BIS, IMF and World Bank, or at the least, installing a series of common sense policies to both upgrade these systems, regulate their actions through intelligent policies designed by a political body that relies on both public opinion through debates and analysis of performance driven QC metrics. The system of printing treasuries and taxing citizens was born, not from political debate or even a public vote, but by a small corrupt group in Congress and our banking system a century ago. It has failed to produce a healthy, debt free nation; the imperialism it funded has failed to produce a healthy, democratic, environmentally sustainable world, or even a world that views America as a true democracy, rather than the brutish arm of global corporations, and it has failed to produce a stronger middle class in America. Therefore, after 100 years of failures, perhaps it is time to replace the defective financial systems and taxes which fund defective military campaigns and patently defective, if not murderous systems of politics.
What will replace "fiat currencies" remains to be seen, though models based on gold, silver and copper seemed to work pretty well before, and future models, such as bitcoin, or credits based on real production of exports, or levels of kwh power from renewables might also prove viable; something, anything, based on a real, tangible asset would be an improvement as it would eliminate the ability of a corrupt banker to simply press a button, create money from thin air, instantly indebting citizens of a nation seen as instant inflation, and then instantly buy their land or bribe their politicians: A person, corporation or group utilizing money for illegal activities would have to actually perform some kind of work to acquire it. Not so the case today.
Whether it is to fix our energy policies, our role of the military in global affairs, our rapidly deteriorating environment, rapidly expanding levels of poverty, homelessness or levels of toxins we are exposed to either from the environment or self-ingested through legal and illegal drugs, our rapidly deteriorating mental health, intellectual capacity, shrinking middle class and standard of living; no matter what the policy is in America that needs to be changed, we aren't changing fast enough. We are like a deer caught in the headlights of a speeding automobile. The revelations of just how corrupt and dysfunctional our government, political and economic systems are has only recently been exposed to those who will study and analyze the evidence, and its so shocking they are either paralyzed or ineffective in bringing about effective change. You can't blame them too much. Faced with a new huge problem we really weren't aware of 20 years ago, and now faced with the prospect of trying to educate a sufficient body of Americans to create the change we must, the proponents for change stumble around testing different solutions; and more often than not, they fail.
That is expected. Democracy as proposed by our Founding Fathers was the first of its kind and is an experiment. Experiments don't always work as planned; usually they do not. The trick in this democratic experiment is to recover before its too late. Whether or not we are past a tipping point is somewhat irrelevant as long as we don't give up. We must continue to innovate, to remain optimistic that we can and will prevail; and remain dedicated to the idea that our form of democracy can be shaped into a true popular democracy where every voice counts, where corporations cannot sway us from an honorable path, where people in other nations can become proud in their own quest to emulate our experiment in democracy without the need for our military to force our current corrupt brand of democracy on their citizens. That process has only exposed our defects to a wider geographic landscape and hardened the resolve of many citizens against mirroring America's brand of democracy. As that resistance continues to increase, our military will find it increasingly difficult to find willing souls in each nation who will undermine governments; and therefore our military and corrupt corporate agenda will need to employ hired guns to execute agendas; witness ISIS and CIA funding to topple Syria. In the old days it was easy to find citizens within a nation who were eager to bring American ideals to overthrow a brutal dictator. Today, the people of Syria living under a patently defective leader would prefer that brand of freedom to anything an "American Democracy" might represent. Today, the American brand of Democracy, as a valued export for nations to acquire, is worth less than toxic toilet paper. Dumping nuclear waste on a foreign nation would be less harmful and they know it.
Its not that the original design of our democracy was either dishonorable, nor was it a bad idea or even poorly designed. In its day it was brilliant and even today it is far superior to the democracy Americans live with daily. We don't have a real voice in the process of electing our President, nor do we have a real voice in the way Congress operates, nor a real voice in the various emerging "secret courts" that increasingly preside over the actions of citizens, nor a real voice in public spending policies that are bankrupting future generations who have even less, if any voice, even faster than they are bankrupting current generations of our young in their 20's, who are far poorer than the older generation who at least had a chance at home ownership and developing a profitable business under some "free", "capitalistic", "market driven" middle class system that is all but gone in America today. What we are witnessing is not only a rapidly shrinking middle class and rapidly expanding population of impoverished, but a rapidly evaporating system of democracy, rapid expansion of our national debt and destruction of the global environment all taking place at the same time.
Its an interlocking series of events that are quite telling in their synergistic effect on each other, yet complex enough to defy our ability to manage today's crisis du jure, let alone plan and execute an intelligent series of steps to bring a halt to these grave trends and thereafter, create a thriving, financially solvent, reasonably moral, non-violent America that can again become a shining beacon of Democracy for all the world to emulate without force; rather by simply becoming envious of our prosperity and the success of our middle class. Today, any envy foreigners might hold for American ideals are primarily focused on the celebs, and a level of wealth, few global citizens will ever attain; nor should they try. The lifestyle of the rich and famous is patently unsustainable and not very good for the financial health of a nation or the environment. Wealth in and of itself is no more evil than a car used in a bank robbery. Wealth, when properly applied can build schools, buy solar panels or wind turbines, or create innovative R&D facilities to invent new technologies that can foster new businesses and provide more Yankee exports. On the other hand, wealth applied to bribe politicians, build leaky oil pipelines or systems that pollute groundwater, or simply to buy a $50,000 dress for a Grammy Award ceremony is dangerous, destructive folly.
Therefore, part of the path out of this mess needs to be a sense of modesty and reality based on what we've learned in the past 200 years about gross decadence and the ability of large groups of citizens to become easily hypnotized by fabulous levels of wealth most of them will never attain. Perhaps in a class entitled Personal Econ 101 we should both encourage people to develop ideas, invent, market, sell and manage a personal business, and include a section on prudent personal policies on how to manage their new found wealth; race tracks, casinos, bars and brothels are probably not good habits to hold if you expect to build and retain a thriving business, or nurture a reasonably sane, healthy family to carry your business and wealth forward to future generations. Teaching kids in any nation to acquire wealth merely so they can buy a new black beamer is not conducive to creating a sustainable society, sustainable financial policies, a sustainable environment, nor a sustainable government or society. Modesty, education and the prudent application of technology, financial resources, labor and mined or manufactured assets all have their place in creating a sustainable world or fixing what ails America and the world today.
It is unfortunate, though easily predictable, that current generations all around the planet have generally lost all hope in obtaining that kind of world. They understand the government corruption; they see through the American Democratic farse and in their minds, if that enlightened nation is but a brutish scam based on corrupt political figures, extortion and murder, what hope does any human have of finding any peace or prosperity in any land? The result is an increasingly predatory nature of our tweens, teens, young adults and even middle aged folks who should know better, but are almost just as selfish and short-sighted as the desensitized generations raised on bloody TV and video games. Murder isn't really so bad as long as you're on the right side of the barrel; its expected in today's world. Get over it.
We have become a mentally sick species destined to extinction if we don't change that attitude. We are living in the 6th great extinction and there is no guarantee our species will survive the process; in fact, some historians and anthropologists note there is a group of wealthy elite who are encouraging a mass die off to bring the human population down to 100M to perhaps 1B from the 7B level today. Perhaps we should let them proceed. Perhaps the earth will be better off after that horror show is over; but the really big question then becomes, if that sick group who would wage global genocide and continued environmental destruction to accomplish their agenda is the primary ruling elite after the bloodbath, what sort of future for habitats, let alone our own species, can we expect from that twisted group?
Its another global problem staring us, the educated, enlightened 21st Century Human in the face, like headlights in the eyes of a deer; and we just don't have all the answers required to put humanity and the planet, or even our own nation, back on a predictable, moral, ethical, sustainable course. And so life in the 21st Century has become a giant hedonistic free-for-all suicide party; the population of predators and sociopaths is growing at a logarithmic rate, while those who would embrace charitable or democratic ideals are quickly being marginalized, or easily used and abused by those with power and money to do so. I personally believe the only way to halt, then reverse these dire trends is for the few remaining souls with a moral compass to unite and develop an action plan to first fix America. But with so many internal challenges, and personality conflicts even between "good souls"; we have failed to unite, we have failed to even be able to clearly identify people of moral fiber, as the many wolves in sheep's clothing are all around us. Recently I did a cursory audit of a huge, wealthy environmental group aimed at "saving dolphins, oceans and the environment", and found they had neither the wisdom to create prudent policies, nor any real effective activity, save their ability to sell t-shirts and expand their member base and revenue streams; very sad.
And so the blueprint to cure America must include QC metrics; how many kids passed a high level math test as a result of your after school, charter school or public school program? How many of them are employed while in college because they clearly understand the student loan program in the U.S. is a patently defective system designed to enslave them? How many understand that trappings of financial slavery and are attempting to live intelligently within their modest means, rather than "...spend money they don't have for things they don't need." (George Carlin).
We need to teach our young that the hypnotic glitz and glamour of the celebs and elite is not nearly as nourishing as a camping trip to a pristine forest that we need to keep pristine. We need to teach them that throwing money at an environmental charity is not quite as effective as simply picking up your trash, as well as some extra trash when visiting a beach. We need to teach them that car pooling is both fun and profitable, and we need to teach them that mending clothing to squeeze the last day out of a pair of shorts can be financially more sustainable and even a lot sexier than trying to acquire a $500 leather jacket, or 7 inch plastic pump cowboy boots. We need to find our roots as a blue collar worker, and Ag sector economy, rather than a nation of dog walkers, maids and gardeners serving the wealthy.
Unfortunately, the population of families able to make a living in the Ag sector is also vaporizing, due to regs related to GMO seeds and USDA policies that have almost eliminated the ability of small farmers to survive. Meanwhile, our blue collar "MAKE SOMETHING USEFUL" jobs are all being outsourced to overseas sweat shops, as are our innovative White Collar Silicon Valley jobs in a world of a rising population of programmers, leaving only a dwindling white collar sector of financial management jobs (who produce few if any useful, tangible, sustainable products we really need, save a thriving toxic derivative market), and a bunch of dog walkers and real estate agents who only sell what already existed; a bit of dirt with some wood and a splash of new paint - the American Home - which is a center for consumption, doesn't actually produce anything useful, including intelligent, caring, charitable kids with any sort of skill set required to fix our nation, let alone our planet. I know of mothers who are so so so proud their son or daughter is a top notch dance champion, and as a musician, I am proud to be able to play rock, jazz or classical piano pieces, even sometimes at public gigs, but if I didn't make something tangible, useful, sustainable during the bulk of the hours in my week I'd feel useless; I'd just be another consumer instead of someone who manufactures SOMETHING tangible that others can use to both improve their standard of living, and reduce their impact on the environment.
Folks who install solar panels do that sort of "honorable, ethical, blue collar work". Granted, they aren't manufacturing something, but at least they are doing some work that leaves a real, tangible asset on a structure that has the immediate effect of reducing America's reliance on petroleum; and that has long-term, positive financial and environmental consequences for the family, community and nation. Turning back to our stellar "Entertainer" kids, or kids studying to become real estate agents, you have to wonder if those grads will be surprised when they wind up as baggers at a grocery store trying to pay down a student loan that will never end, while paying off child support payments for kids they couldn't afford, nor spent time with to educate them on what mistakes to avoid, (nor ever went camping with them to teach them the value of minimalism, or pristine environments), while paying for social programs like Social Security and Obamacare our poor, bankrupt nation that exports almost nothing simply cannot afford. I praise our artists for their studious habits and wonderfully inspiring productions, cutting edge journalism and screen plays that cause us to reflect on ourselves and humanities journey through time; but with an overwhelming onslaught of advertising, high fashion, porn and violence, it might be prudent for every artist to also hold down a "day job", at least part-time, that actually contributed to creating a more financial, environmental and ethically solvent America. Even a part-time daily contribution by every breathing American towards these objectives might help reverse dire trends and create a united population of educated citizens who both care and are doing something constructive to counter-balance our highly destructive, unsustainable way of life today. Parents and schools need to educate kids on balancing selfish, personal agendas with activities that contribute to society in real, tangible production of products and services focused on deploying technologies that move America towards curing our ills before the "tipping point" trends running amuck today topple us over.
The "Stockdale Principle" outlined in the book Good To Great embodies some of these ideals; taking a harsh, honest audit of where we are today and then designing effective management plans to get through the horrid state of affairs and emerge victorious through action based on optimism, and not Pollyanna optimism alone, nor on a fatalistic, hedonistic, careless, if not predatory attitude that seems to enshrine American values at every level of our society. A little discipline is a good thing, when balanced with creative abandon to invent something no one has seen before. A champagne party to celebrate a financial victory is probably also a good thing, IF - key word - you actually accomplished something that helps heal the world or provided some relief to your local community, our nation or a wetlands marsh. Drinking champagne every Sunday morning or buying a new pair of 7 inch plastic pumps just because your debit/credit card allowed it, and you think you deserve it after a 60 hour work week, is a rather short-sighted, if not myopic way of life based on endless consumption, that ignores the increasingly pressing problems of your life, your local community and the global village we all share. Perhaps that $10.00 price you paid for that cocktail might have made a difference had you had saved it to buy a PC keyboard for a child without a computer. Perhaps that $49.00 price for those dress shoes you didn't really need would have been better spent on buying a motherboard for a kid who could learn to install that board into a recycled, dented desktop case, then plug in that new keyboard you also bought them, and build their own PC, complete with a recycled monitor that was headed for a landfill and is now part of a child's at-home education system. Perhaps the parent in that home might remind their child with prudent guidance, that WHEN their math homework was done, THEN they can spend a short time playing some video game on that PC, before they move on to complete their history and science homework, and further remind them that if they fail to keep their grades up, that suite of video games can be uninstalled or blocked altogether. Perhaps instead of turning on the TV to gather the family, which only serves to fracture the family after kids begin wanting consumer items they can't afford, so they begin exploring methods of acquiring capital, like drug dealing in alleys, parents would leave the TV off and focus their energy on helping their kids get through those homework assignments, learn a little math, science and history along the way, learn what it means to create a sustainable home, community and financially solvent nation, and clearly learn what happens if we do not. Perhaps if more parents spent more time educating their kids, and got smarter along the way, more American adults would realize just how under water our nation is, and with some hope derived from that education, learn to fix the mess in their own lives one step at a time.
Its a tall order and I am not sure Americans are willing to give up their baseball games or detective dramas in exchange for spending several hours each evening exploring socially relevant topics; whether political, scientific, or even charitable. But if American consumers don't modify their behavior and levels of consumption, and their hit list of acquisitions, most of which are unattainable due to our shrinking middle class and utter lack of any export industry able to finance our debt without utilizing our defective, bankrupt, imploding global system of fiat currencies; there is no hope for the generation that follows who will repeat the same mistakes because they don't know any better, or weren't educated soon enough to avoid those same mistakes. The painful truth is that as our society finds it increasingly difficult to acquire these sought after luxuries, and we continue to plunge into the financial abyss and political chaos of a third-world nation, we will have both blown the once-in-a-species democratic experiment, and our own ingenious potential to both cure our nation and help heal the planet torn by the industrial age and environmental destruction that is the legacy of a petroleum age.
Petroleum was a blessing and a curse. It allowed a great global brain trust of 7 billion to be created and all the wonderful technology that mass invented, along with 7 billion mouths to feed and feet to shoe, who unfortunately also want 7 billion shiny black beamers we can't afford to build, let alone fuel. Elon Musk of Tesla once said to build 500,000 EV's would require all the lithium the planet can produce. Therefore, we need to invent and deploy another alternative and do so quickly, and while we're at it, utilize simple, affordable, practical technologies and habits like car pooling, mass transit and shopping only for what we really need, while recycling as much as possible, and ensuring our time spent is focused on educating our young so they don't make the same mistakes our generation did. All of these fundamental changes are part of healing America and the planet we all share and whether or not we do it or embrace it, the reality is this Spartan lifestyle IS coming sooner, rather than later, to every community on earth. Get used to it. Get used to the pain of rapid change and a deteriorating social fabric, social services, a rise in unethical, predatory conduct on every front, and a high risk for a rapid implosion and die off of humanity that will be horrific. This IS our future if we do not mend our ways and no amount of technology can save us from wanton, unbridled consumerism, or our universal tendency to ignore harsh realities. A little discipline and practical, effective planning, balanced with our artistic, humanitarian and spiritual agendas is required.
So, curing what ails America is a complex idea that won't be completed by simply electing another corrupt official. You can't cure America by electing a new Mayor, Governor, Congressman or President. You won't accomplish it by switching banks or moving to a community sponsored credit union. You won't do it by simply installing solar on your roof and then pouring yourself a glass of champagne to celebrate the money you'll save on your electric bill or patting yourself on the back for reducing your need for petroleum, nor should you put the money you might save by car pooling into a fund for your annual trip to a Vegas casino where you can blow it in a weekend of heated hedonistic abandon. That sort of wreckless behavior might make sense to a 20 something kid who has never dropped five grand on a crap table, but in today's world that population of wealthy empowered young is also evaporating, and for the rest of us, prudence should guide nearly every action on this high wire act of trying to save humanity from itself. One good mistake, or worse, a continued series of imprudent mistakes, is all that is required to blow our last chance to avert the economic storm already at our door. In fact we don't even need to make a mistake; just continue on as we are doing today and there is little hope of any real, effective change for the better anything in the next 100 - 500 years of humanity's journey on this earth.
Since much of this transformation must embody fundamental changes in how our federal government operates and the QC metrics that need to be installed to change its underlying principles of operation, bloated budgets, imperialistic campaigns and lack of focus on improving the plight of America's middle class, let alone provide much relief for America's impoverished, I suggest that a huge part of "the cure" involves finding and installing politicians who can "Get 'er done". We haven't seen anything like that anywhere in America for several decades, if not for more than a century. Sure, there are a few rare politicians who actually have a reasonably solvent, financially prudent, moral, ethical, perhaps even legal game plan, but they are quickly overwhelmed and marginalized, frustrated or assassinated, or through some other means, ejected from office; a process which leaves only the corrupt or inept left behind. This begs the question, "Would America's recovery be accelerated if a popular driven vote of no confidence by citizens could quickly remove politician's from office?" I don't mean impeaching a President after a billion dollar televised trial that requires Congress to stop dead in its tracks to handle a process that distracts them from more critical resolutions, rather I mean that if 60%, 70%, 80% or more Americans were polled each month, and were found to absolutely PRESS THE REJECT BUTTON, then the President in the Oval Office bowed out on Friday, the V.P. took the hot seat, we held an impromptu election to replace them from viable candidates, and the same rapid, low-cost process was enacted for Congress, State Governors and Legislators, County Supervisors and our Mayors and any other elected official. Put another way; when 80% of your constituents think you're doing a crappy job, odds are you saw that figure rising and the moment it hit 51% the warning shot was fired over your bow. When it hit 70% you had a hole in your boat and probably should have both modified your course and began polling citizens, civic planners, scientists, artists; hippies, bankers, anyone and everyone, on what you might do to improve your performance, and heal your reputation by delivering real solutions to real problems citizens are faced with every single day.
Granted, a rapid change in high level leadership can create chaos; but we already have that today, so there's no big loss there. Granted, Americans can be a fickle group and a popular President today can easily become vilified the moment the food stamp program get slashed, or health insurance rates take a hike. Granted, if our currency goes into a freefall, as many economists predict, and we can't get the oil we need, if we begin experiencing brown outs and black outs like many developing nations endure daily, and if our highways continue to deteriorate just like our system of healthcare, ag and manufacturing sectors, its going to be pretty tough to stay in the Oval Office when such a system of rapid REJECTION is in place. That said, these negative trends are already with us across the board and I don't see either Presidential Candidate really mentally capable of fixing any of them; not one. To assume Hillary will fix things is insane; she's a known felon with absolutely no remorse, and though not convicted in a court of law, every American paying attention knows it. To assume Donald can fix it is to believe a businessman who often bases his profits and retained earnings on bankruptcy laws, and who would alienate a huge Latin American population, gays, women - name the group - is equally insane. Donald might actually be good for America, as he might be able to gut a lot of the bloat in government today, but at the end of the day, would you rather have a surgeon or a wreckless butcher performing your open heart surgery?
The answer, I believe, is to enact a series of laws that require a politician at any level to step aside quickly when a massive, popular vote of NO CONFIDENCE appears; whether its a poll taken weekly, then summarized and enacted upon on a monthly or quarterly basis, or whether we simply employ such a law to regulate Congress, quickly removing Legislators who refuse to impeach any President who acquires a massive level of public wrath measured by frequent, regular, popular vote driven surveys managed by a known, impartial, trusted audit team; i.e. your local librarian staff. Perhaps if the libraries around the nation benefited financially from educating our young and at the same time, acting as a central community gathering place for political and charitable action committees, we'd see some improvements. Frank Zappa said "If you want to get laid, go to college. If you want an education, go to a library." and with the emergence of google, wikipedia and thankfully, the retention of libraries in our culture, there's little or no excuse for Americans not to continue obtaining an education, especially during this period of national crisis.
With the technology that exists TODAY there's little or no excuse for failing to develop the polls, surveys and rapid voting mechanisms that would provide politicians with a "HOW AM I DOING?" answer, and if a rapid REJECT mechanism was built into every political office, things would probably get better much faster than any other method we could devise. Put another way; a drunk surgeon shows up to do your heart surgery and you happen to wake up just as they have begun cutting you open. You realize that person is patently unqualified to both perform the job ahead, let alone care for your life along the way. No matter how many other expert healthcare professionals might be present, wouldn't you vote to "STOP EVERYTHING. EJECT THIS CLOWN AND BRING IN ANOTHER SOBER, QUALIFIED TEAM LEADER?".
Do you really think repairing our fragile, torn, crippled, dying nation is any less critical than your open heart surgery? Do you realize Washington D.C. has one of, if not the highest rate of alcoholism in our country? That's a huge "in-your-face" clue as to why things are as bad as they are in our nation and communities today.
We have TV shows like the Apprentice or Survivor where only the best make it to the final episode. As Donald himself knows all too well, substandard performance gets you "FIRED!". There's no big trial; no long expensive paperwork trail. Its done with a smile, perhaps a pat on the back for those good things you were able to accomplish early on, but if you lack the stamina or ingenuity or prudence to continue making progress, guess what? You're done. Get out. Let someone else take the ball and run from wherever we are towards the goal line.
Some will argue, and rightly so, that in a nation where the top political leader can be rotated like a pair of shoes, the only real power lies in a military Junta of corrupt, power hungry Generals and those who serve them or are "taken out". Well, if you've intimately studied American politics, that's what we have today anyway. Get a clue. Ike warned us about the Industrial Military Complex, wives of military officers and the officers themselves have come forward and revealed the way things work, so its no big surprise to see Obama swearing he's going to reduce deployment, then not long after he's in office, continue America's occupation in foreign lands. Its no big surprise to see every nation on earth condemn Israel for the situation in Palestine, and then see the U.S. is the only nation to veto resolutions that might force Israel to mend its ways. Its no surprise to see Orthodox Jews making overtures with Iran, while the government of Israel and Hillary threaten to bomb Iran into oblivion. It is no surprise to see rising rosters of homeless in America while we spend trillions fighting wars to acquire oil at a time in human history when we've already proven we can get all the energy we need to run entire nations from wind and solar projects; if we actually built them.
And so the question of whether or not a rapid rotation of Presidents or Congressmen, Governors or Mayors might lead to a nation led by military leaders has already been answered; we already are. Perhaps only by putting someone in the Oval Office who understands this problem early on can we expect American streets to look less like battle grounds, and American Cops to look and act less like U.S. troops in Iraq. I may be wrong, but the system in place is patently corrupt, patently defective and completely ineffective. Whatever Democracy and America were SUPPOSED to be 200 plus years later it surely has not become.
The solution? Throw the bums out and do it with less fanfare, less budget and less lost time. Hey, we might even make a weekly TV show out of it. Why do we have to wait forever for a State Of The Union address? When a nation is as messed up as we are today, a weekly 15 - 30 minute BOARD MEETING with American Stakeholders - every citizen - seems more appropriate. Like any board meeting, it should cover Old Business; i.e. programs being implemented and their QC Metrics produced by third party citizen bodies, and available online for download and analysis, and New Business, proposals for new programs, budgets, and a selection of innovative ideas that were gathered from the citizens themselves. A true representative of Americans would embrace their people, their ideas, their audits, and actively seek their opinions of their performance in office. A true representative of Americans wouldn't need a LAW to leave office if they knew their performance sucked and an overwhelming majority of Americans wanted them out; they'd just apologize - quickly - and step aside.
And so the BLUEPRINT to fix America quickly, if not in time to avoid a complete meltdown, probably includes a rapid REJECT/RE-ELECT process. Its like a Jehovah Witness I know explained, as they are looking for good honest souls; "You have to sift through a lot of mud to find a few flakes of gold." Its a lot like the kids I teach in hard-core neighborhoods; you have A students, B students and F students. Very few kids are C or D students for long in a well run class. They are either encouraged and want to learn, and soon rise to the B or A level, or they are not encouraged or lack the desire and in a well run class they fail within a week or two and are asked to go spend their time in some class, some where, that they actually want to participate in. There is little sense in wasting time trying to teach a kid something they really do not wish to learn. The old saying "You can't teach a Pig to sing; you waste your time and just annoy the Pig." applies.
And so the BLUEPRINT also means putting the right students in the right classes, and ensuring ALL STUDENTS understand the value of useful, productive work that requires skills America needs to remain competitive; unfortunately, ballet isn't one of them. If a kid wants to learn to play guitar or piano; great. Let them learn it like I did and study at home after finishing their math and science homework. They'll know it better and learn it faster at les cost than mommy having to spend hundreds or even thousands on piano lessons or instruments for a school marching band. I was also in a marching, orchestra and jazz band and while I have fond memories of it and wish America was so wealthy it could continue to afford these types of electives, those days are long gone. WHEN we have a balanced budget and WHEN we have kids no longer living in cars with their mothers anywhere in America - and I mean ANYWHERE - and WHEN we have cured our nation of our addiction to oil and plastic clothing; WHEN we have enough spare renewable energy to drive desalination plants to irrigate our fields to replace the crops lost due to global warming and ever-widening regions of drought, and WHEN we have desalination plants - 100's if not 1,000's of them - that do not produce dead zones from brine discharge, do not run by burning coal, LNG, petroleum, or require any process that produces nuclear waste; WHEN we have a planet that is not engaged in wars over in ground assets used to drive unsustainable economies and consumer practices, and WHEN we have Judges, Mayors, School Teachers, Governors, Legislators and Presidents all keenly aware that if they screw up a POPULAR VOICE can hand them a Pink Slip in a blink, THEN I will happily support schools with music and painting electives. In the meantime, the basics please; its all we can really afford and any child who really wants to learn to carve wood can take a class online, get a paper route or learn to repair computers in a free class they study online at their local library, then save their pennies to buy their first chisel, paint brush, ballet slippers, guitar or upright piano as the case may be.
submitted by grandmaapples to JudgeNapolitano [link] [comments]

Merchant Monday, support those who support Vert (MM 6/9/2014)

So I bought an xbox live code from Premium Gift Cards. I was over at a friends house and we wanted to play gears of war 3 online with some other friends but my live gold was expired.. i had a few vtc on an exchange so decided to try out "Premium Gift Cars".... it went well... about 10 min after the funds were confirmed I had my code in an email. So don't hesitate to give them a go, they have a great selection.
If I'm missing anything, or something needs to be changed PM me, or comment below.
Buy anything* online services:
Clothing and apparel:
Food stuffs:
Gift Cards:
Goods/Merchandise:
Reddit Gold:
Electronic Cigarette, and Tobacco Supply's:
Wallets/Cards:
Gold & Silver Bullion:
Web Hosting / IT Services:
Other services:
Games:
Marketplaces:
Merchant services/Tools
Charity's that accept Vertcoin:
Gambling: (you may loose all you coins gambling, a better use would be to just buy something or donate to a project to help Vertcoin)
LINKS
submitted by KLAM3R0N to vertcoin [link] [comments]

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HOW TO EASY HACK PAYPAL BLOCKCHAIN 2020 FREE SOFTWARE SCRIPT

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